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Visit USA-Healthcare® Budget

Travel medical insurance and more for visitors to the United States.

5 Days to 364 Days

How Visit USA-Healthcare Budget Insurance Works

First

The deductible is met once per incident (injury or sickness), even for doctor visits.

Then

Plan pays fixed amounts according to the schedule of benefits and you pay the difference.

Overview

Visit USA HealthCare Budget is a fixed coverage plan for non-US citizens traveling to the United States. Prepare instant quotes and make an online purchase yourself by using this website. Insurance coverage can begin as soon as tomorrow or any future date you state. Once you complete your purchase, you will receive email confirmation that includes your virtual ID card; physical cards are not mailed.

What is covered and not covered?

The insurance company generally pays for new medical conditions - accident and sickness - that occurs after the effective date of the insurance policy. The insurance company will not cover expenses that are related to pre-existing conditions, preventive or routine checkups, vaccinations, and maternity.

Prescription medications are covered according to the schedule of benefits for covered medical expenses

How do I use the insurance?

Please review this detailed description of Frequently Asked Questions on how to use the coverage.

How much is covered?

You will first pay your chosen deductible for each incident that occurs, even for doctor’s office visits. After you have fulfilled your deductible for an incident, the insurance company begins to pay a fixed amount for the covered medical expenses according to the scheduled of benefits up to the policy maximum; you will pay the difference for costs in excess of the schedule of benefits amount. There is no out of pocket maximum.

Schedule of Benefits

Overall Policy MaximumPlan APlan B
Ages 14 days - 69 years$50,000$150,000
Ages 70 - 79$50,000N/A
Ages 80 and above$20,000N/A
Deductible
Ages 14 days - 69 years$0, $50, $100, or $250$0, $50, $100, or $250
Ages 70 and above$100 or $250$100 or $250
Benefits
Dr Office VisitsUp to $75 per visit, 10 visits maximumUp to $150 per visit, 10 visits maximum
Outpatient Prescription Drugs$150, maximum of 60 days per prescription.$300, maximum of 60 days per prescription.
Emergency Room (All Expenses Incurred Therein) $375

No coverage if not admitted to hospital, unless for injury.
$785

No coverage if not admitted to hospital, unless for injury.
Diagnostic X-Rays & LabsUp to $500, Additional $400 One CAT scan, PET Scan or MRI, per injury/illnessUp to $750, Additional $650 One CAT scan, PET Scan or MRI, per injury/illness
Hospital Room & BoardUp to $1,500 per day, 30 days maximumUp to $2,750 per day, 30 days maximum
Intensive Care UnitUp to $2,500 per day, 8 days maximumUp to $4,000 per day, 30 days maximum
Inpatient SurgeryUp to $4,000 per sessionUp to $8,000 per session
Outpatient SurgeryUp to $3,300 per sessionUp to $7,150 per session
Local Ambulance Up to $500 per injury/illness

No coverage if not admitted to hospital.
Up to $500 per injury/illness

No coverage if not admitted to hospital.

Example:

The following examples assume that you have purchased this plan with a $50,000 policy maximum and a $100 deductible.

  • In the first scenario, you caught your nephew’s or grandchild’s cold and you are visiting a doctor at their office.

    The first time you visit the doctor, he charges $150 dollars. You will pay your $100 deductible, fulfilling your per incident requirement, and the insurance company will pay the remaining $50. The doctor recommends that you return for a follow up appointment in a week.

    After a week, you return to the doctor’s office for follow up for the same incident; the doctor again charges $150 dollars. You have already met your deductible for this incident, so you will not pay the deductible again. The insurance company will pay a limited benefit for this visit and covers a maximum of $75 for the visit; you will pay the remaining.

  • In the second scenario, you were injured in an accident then taken to the emergency room by ambulance. The ambulance ride charges are $500 and the emergency room visit is $500.

    First, you must pay your $100 deductible for this accident, starting with the ambulance. After the $100 deductible is fulfilled, the insurance company will begin to pay.

    Ambulance $500 - deductible $100 = $400 - You have now fulfilled your deductible for this incident. Of the remaining $400, the insurance plan will pay up to $500, meaning you will only pay your deductible for the ambulance.

    For the emergency room visit, the plan will pay up to $375 and you will pay the difference. The total cost for the emergency room visit is $500 and you have already met your deductible for this incident, so the insurance company will pay $375 and you pay the remaining $125.

Benefits Updated: 08/26/2018

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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